Lava allows you to unlock your bitcoin’s purchasing power without selling your bitcoin. Securely borrow dollars using your bitcoin as collateral.

Lava’s bitcoin line of credit (BLOC) is the most flexible way to borrow against your bitcoin. You get instant access to dollars in real time, no monthly payments, open terms, and the lowest fixed rates.

With Lava you can buy bitcoin, borrow dollars, earn yield on cash, off-ramp directly to your bank account, spend globally, and much more. Lava gives you access to a full suite of bitcoin-powered financial services:

- Borrow dollars using your bitcoin as collateral— no documentation or paperwork required
- Access your loan capital instantaneously
- Borrow any amount, from $1-$1B+
- Borrow at the lowest rates, starting at just 5%
- Buy and sell bitcoin with zero fees
- Off-ramp to any bank account globally
- Move stablecoins globally
- Earn yield on cash
- Easily spend and earn rewards with the Lava Card

Assets on Lava are secured using institutional-grade cold storage infrastructure. All funds are backed 1:1, never rehypothecated, and held in segregated cold addresses that only move when a loan is opened or closed.

Lava has been audited by independent security experts and is backed by the world’s leading fintech investors (including Khosla Ventures, Founders Fund, and Susquehanna). Our team includes bitcoin developers who have served as core contributors for projects including Bitcoin Core, Lightning Network, and DLCs.

With Lava, you can borrow against your bitcoin without compromising on security.

Download Lava to get started in seconds.

Lava Protocol Loan Terms:

- Maximum APR: 7%
- Minimum term: 12 months
- Maximum term: 12 months
- Indicative cost: $100 loan, 2% capital charge, 5% interest rate with no monthly payments. Total interest and fees of $7 to borrow $100 for 12 months.